Protect all assets with Affordable Coverage

Our employee health plan covers essential medical expenses, but it doesn’t pay for everything — like copays, deductibles, coinsurance, or non-medical costs that come with an illness or injury.

That’s where supplemental insurance from providers like Aflac or Colonial Life helps. These plans pay cash benefits directly to you, helping cover lost income, out-of-pocket expenses, or everyday bills while you recover — offering financial protection beyond traditional health insurance.

I’ve seen the difference it can make. When my mom broke her thumb, she was expecting a bill — instead, she found a $1,200 check from her supplemental policy.

For me, heart disease runs in my family. My father had stents at 45; I’m 37. Knowing my risks, I bought coverage at 30 for $82 a month. If something happens — stents, angioplasty, or worse — I’ll have the support I need without worrying about the bills.

It’s not about expecting to use it — it’s about being prepared. I even made sure my sister, with our family history of breast cancer, has a policy too.

This isn’t just a sales pitch — it’s real life. Supplemental insurance can make all the difference when the unexpected happens.

• Your funds continue to grow tax-deferred, meaning you don’t pay taxes on gains until you withdraw.
   
• This keeps your money working efficiently over time.
   

• Fixed annuities guarantee your principal (the amount you invest).
   
• Indexed annuities offer growth linked to market indexes with downside protection—you don’t lose principal if the market drops.
   

• Adds extra income or benefits if you become ill and need long-term care.
   
• Helps cover costly healthcare needs without dipping into your principal.
   

• Depending on your state’s laws, annuities may be protected from lawsuits, creditors, or Medicaid claims.
   
• This can safeguard your savings during legal or financial challenges.
   

•  Guarantees that you or your beneficiaries will receive at least the total amount you invested, even if the market underperforms. Provides peace of mind knowing your investment is protected and won’t be lost.